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Student Loan Calculator

See your monthly student loan payment and how much interest you will pay overall.

Inputs

Updates live as you type

How it works

The standard federal repayment plan amortizes your balance over 10 years. This calculator shows that payment and the total interest; income-driven plans lower the monthly amount but usually stretch the term and raise total interest.

Frequently asked questions

Should I refinance my student loans?

Refinancing can lower your rate, but refinancing federal loans into a private one forfeits federal protections like income-driven plans and forgiveness. Weigh the rate savings against those benefits.

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